Live Oak Banking Company
Live Oak Banking Company reported total assets of $16.0 bn at Q2 2026, up 16.1% on a year earlier, the 121st largest of 497 banks in our US coverage. The CET1 capital ratio at Live Oak Banking Company was 10.46%, and the uninsured share of Live Oak Banking Company was 16.60%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Live Oak Banking Company climbed from 393rd to 228th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Live Oak Banking Company has one of the highest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 4.01% at , against a median of 0.66% across 126 banks (FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Live Oak Banking Company, 10.46% at , places Live Oak Banking Company in the bottom tenth of banks of $10 bn to $100 bn (group median 12.97%; FDIC Call Reports).
What sets Live Oak Banking Company apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower tier 1 leverage ratio than Live Oak Banking Company, at 7.99% in ; the group median is 10.25%.
How large is Live Oak Banking Company?
The balance sheet of Live Oak Banking Company at : assets $16.0 bn, deposits $14.7 bn, net loans $12.9 bn (loans equal to 88.21% of deposits). Securities make up 9.2% of total assets at Live Oak Banking Company. Since , when Live Oak Banking Company held $1.2 bn, its assets grew 1,222.7%. In the year to , deposits at Live Oak Banking Company rose 16.2% while its total assets rose 16.1%. At , Live Oak Banking Company employed 1,038 full-time equivalent staff across 1 office, about $15.4 mn of assets per employee and $14.7 bn of deposits per office.
How much funding at Live Oak Banking Company is uninsured?
At Live Oak Banking Company, uninsured deposits (above the FDIC limit) made up 16.60% of domestic deposits at (+1.19 pp on a year earlier); Live Oak Banking Company ranks 439th of 500 on this measure. In dollars, Live Oak Banking Company estimated $2.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $14.7 bn | +16.2% | 112th of 499 |
| Net loans and leases | $12.9 bn | +15.8% | 109th of 500 |
| Loan-to-deposit ratio | 88.21% | -0.29 pp | 229th of 500 |
| Tier 1 leverage ratio | 7.99% | +0.20 pp | 474th of 500 |
| Total risk-based capital ratio | 11.72% | -0.19 pp | 426th of 448 |
| Net interest margin | 3.34% | +0.01 pp | 335th of 500 |
| Return on assets (ROA) | 0.96% | +0.37 pp | 404th of 500 |
| Efficiency ratio | 53.22% | -7.71 pp | 196th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $69.2 mn | Narrowed by $11.8 mn | |
| Noncurrent loans to total loans | 4.01% | -0.07 pp | 492nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.67% | -0.02 pp | 454th of 500 (1 = lowest) |
US rank of Live Oak Banking Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Live Oak Banking Company: assets, deposits and loans
- Total assets $16.0bn
- Deposits $14.7bn
- Net loans $12.9bn
Capital and securities
The CET1 ratio of Live Oak Banking Company stood at 10.46% in , -0.19 pp year on year. Low and high at Live Oak Banking Company since : 9.54% () to 14.89% (). Equity capital of Live Oak Banking Company at : $1.2 bn, or 7.6% of total assets. Live Oak Banking Company also reported a total capital ratio of 11.72% for , and a tier 1 leverage ratio of 7.99%.
The available-for-sale portfolio of Live Oak Banking Company showed an unrealized loss of $69.2 mn at ; the loss narrowed by $11.8 mn over the year.
Live Oak Banking Company: capital ratios
- Total capital 12%
- CET1 10%
- Tier 1 leverage 8.0%
Live Oak Banking Company: unrealized securities gains and losses
- Available for sale -$69mn
- Held to maturity $0
Profitability and loan quality
For the year to , Live Oak Banking Company earned a return on equity of 12.59%; return on assets: 0.96%. Net interest margin at Live Oak Banking Company: 3.34%, +0.01 pp in a year. Live Oak Banking Company net income: $73.9 mn, up 88.6% year on year. The efficiency ratio of Live Oak Banking Company was 53.22%: about 53 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 4.01% of total loans at Live Oak Banking Company; net charge-offs: 0.67% of average loans. Gross loans and leases at Live Oak Banking Company: $13.1 bn, up 15.6% in a year.
Live Oak Banking Company: profitability
- Return on equity 13%
- Net interest margin 3.3%
- Return on assets 1.0%
Peer group of Live Oak Banking Company
The peer group of Live Oak Banking Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Live Oak Banking Company (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in North Carolina. Against them, Live Oak Banking Company shows CET1 ratio 10.46% against a peer median of 12.50%, return on equity 12.59% against a peer median of 9.37% and uninsured deposit share 16.60% against a peer median of 34.87%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First United Bank and Trust Company | State member bank | OK | $16.6 bn | 12.28% | 9.48% | 36.50% | |
| Banner Bank | State nonmember bank | WA | $16.6 bn | 12.71% | 10.97% | 32.49% | |
| NBT Bank | National bank | NY | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | State nonmember bank | NC | $16.0 bn | 10.46% | 12.59% | 16.60% | |
| Safra National Bank of New York | National bank | NY | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | National bank | TX | $15.7 bn | 12.98% | 2.63% | 31.30% | |
| Nicolet National Bank | National bank | WI | $15.4 bn | 11.08% | 8.08% | 33.24% | |
. FDIC Call Reports.
Last eight quarters
Two years at Live Oak Banking Company, to : assets +27.4%, deposits +27.9%, equity +24.4%. Staff 976 to 1,038.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $12.5 bn | $12.9 bn | $13.5 bn | $13.7 bn | $14.6 bn | $15.1 bn | $15.2 bn | $16.0 bn |
| Total deposits | $11.5 bn | $11.8 bn | $12.4 bn | $12.6 bn | $13.4 bn | $13.8 bn | $14.0 bn | $14.7 bn |
| Bank equity capital | $975.3 mn | $970.4 mn | $1.0 bn | $1.0 bn | $1.1 bn | $1.1 bn | $1.2 bn | $1.2 bn |
| CET1 ratio | 11.17% | 10.96% | 10.64% | 10.65% | 10.48% | 10.46% | 10.61% | 10.46% |
| Return on equity (ROE) | 10.73% | 9.33% | 5.35% | 7.80% | 8.94% | 10.95% | 11.66% | 12.59% |
| Uninsured share of domestic deposits | 14.41% | 14.43% | 15.04% | 15.42% | 16.31% | 15.66% | 17.01% | 16.60% |
| Full-time equivalent employees | 976 | 990 | 1,015 | 1,032 | 1,005 | 1,007 | 1,010 | 1,038 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Live Oak Banking Company
- Total assets at Live Oak Banking Company changed by +27.6% in the quarter to 2018-03-31, with no FDIC structure event in that quarter.
- Total assets at Live Oak Banking Company changed by +57.5% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Live Oak Banking Company?
Live Oak Banking Company reported $16.0 bn at in its Call Report. That makes Live Oak Banking Company the 121st largest of 497 banks in our US coverage.
Is Live Oak Banking Company the same as its holding company?
No. This page covers Live Oak Banking Company, FDIC certificate 58665; Live Oak Bancshares, Inc., its holding company, reports separately to the Federal Reserve.
Is Live Oak Banking Company profitable?
Live Oak Banking Company reported net income of $73.9 mn for the year to ; annualized return on equity: 12.59%. So yes: Live Oak Banking Company made a profit over these months.
When is data for Live Oak Banking Company next updated?
Figures from Live Oak Banking Company for are due after .
Where can I check the figures for Live Oak Banking Company?
In the FDIC BankFind Suite record for certificate 58665, and in the Call Reports of Live Oak Banking Company (RSSD ID 3650808) at the FFIEC Central Data Repository.